Blair, NE · Cert 34468
FDIC · 2 branches
Q3 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2021, the quarter ended September 30, 2021, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Blair, NE · Cert 34468
FDIC · 2 branches
Q3 2021
Market Position · Omaha-Council Bluffs, NE-IA · 2021 SOD (annual) · 0.3% share · #32 of 72 inst. · $0.1B of $36.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.77% | 1.90% | 1.75% | 1.27% | 1.69% | 1.31% | 1.10% | -65 bps | |
| Return on Equity | 9.61% | 13.26% | 14.33% | 12.90% | 9.21% | 11.93% | 9.37% | 7.94% | -496 bps | |
| Net Interest Margin | 3.35% | 3.24% | 3.08% | 3.19% | 3.13% | 3.73% | 3.25% | 3.07% | -12 bps | |
| Efficiency Ratio | 71.12% | 67.28% | 67.71% | 64.50% | 73.33% | 60.73% | 67.13% | 70.29% | +579 bps | |
| Non-Interest Burden | 2.23% | 2.00% | 1.90% | 1.84% | 2.11% | 1.97% | 1.97% | 1.97% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.94% | 0.03% | 6.03% | 1.23% | -2.05% | 3.11% | -2.65% | 0.98% | -25 bps | |
| Loan Growth (YoY) | 1.02% | -0.18% | -0.95% | -3.85% | -10.64% | -12.94% | -16.70% | -10.21% | -636 bps | |
| Deposit Growth (YoY) | 1.87% | 0.71% | 7.01% | 2.10% | 4.12% | 11.28% | 4.03% | 8.57% | +647 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.30% | 0.31% | 0.64% | 0.16% | 0.18% | 0.64% | 0.19% | 0.18% | +2 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.00% | 0.02% | 0.01% | 0.00% | 0.00% | 0.00% | -2 bps | |
| Allowance / Loans | 1.28% | 1.37% | 1.39% | 1.49% | 1.61% | 1.68% | 1.72% | 1.67% | +18 bps | |
| Allowance Coverage of NPLs | 4.3x | 4.4x | 2.2x | 9.1x | 9.2x | 2.6x | 9.2x | 9.2x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.92% | 13.33% | 13.04% | 13.47% | 13.04% | 13.61% | 12.74% | 12.86% | -61 bps | |
| Total Risk-Based Capital | 19.74% | 19.83% | 19.20% | 20.53% | 20.46% | 21.19% | 20.76% | 20.33% | -19 bps | |
| Equity / Assets | 13.12% | 13.52% | 13.12% | 14.52% | 14.52% | 13.79% | 13.55% | 13.85% | -67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.46% | 79.32% | 74.52% | 76.02% | 69.06% | 62.05% | 59.67% | 62.87% | -1,315 bps | |
| Liquid Assets / Assets | 0.45% | 0.22% | 0.19% | 0.21% | 0.22% | 0.19% | 0.18% | 0.28% | +7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |